Peaks€1 or €2 per month + 0.5% p.a. fund costs
- Published fee
- €1 or €2 per month + 0.5% p.a. fund costs
- Minimum deposit
- 1 €
Broker comparison
Peaks vs.
Vivid Money
Which broker fits your needs?
Platforms, products and fees side by side.
Updated: October 2026
See comparisonPeaks
Vivid MoneyVS
Summary
Your goal decides.
Peaks has a higher rating of 3.8/5 compared to Vivid Money (3.7/5). Vivid Money offers 3 instrument types, while Peaks offers 2. The minimum deposit is lower at Vivid Money with 0,01 €. Vivid Money is BaFin-regulated, while Peaks is supervised by AFM. Peaks has been in the market since 2016, making it the more experienced provider.
PeaksMicro-investing app with automated savings and ETF portfolios
Vivid MoneyBerlin-based neobank with integrated stock, ETF and crypto trading
At a glance
The key differences
| Criterion | Peaks | Vivid Money |
|---|---|---|
| Platforms | Peaks App | Vivid App |
| Product types | ETFs, ETF-Portfolios | Stocks, ETFs, Crypto |
| Options trading | No | No |
| Fee model | €1 or €2 per month + 0.5% p.a. fund costs | €0 order fee (stocks/ETFs), crypto spread from 1% |
| Minimum deposit | 1 € | 0,01 € |
| Regulation | AFM | BaFin |
| More information | Details | Details |
Platforms
Peaks
Peaks App
Vivid Money
Vivid App
Product types
Peaks
ETFs, ETF-Portfolios
Vivid Money
Stocks, ETFs, Crypto
Options trading
Peaks
No
Vivid Money
No
Fee model
Peaks
€1 or €2 per month + 0.5% p.a. fund costs
Vivid Money
€0 order fee (stocks/ETFs), crypto spread from 1%
Minimum deposit
Peaks
1 €
Vivid Money
0,01 €
Regulation
Peaks
AFM
Vivid Money
BaFin
Product access and costs depend on market, account and permissions.
Detailed comparison
Comparing fees
Compare total costs, not just the order fee.
PeaksVivid Money€0 order fee (stocks/ETFs), crypto spread from 1%
- Published fee
- €0 order fee (stocks/ETFs), crypto spread from 1%
- Minimum deposit
- 0,01 €
The relevant costs depend on market, currency, order size and trading style.
Execution quality
Order type, venue and liquidity affect execution.
PeaksCheck the provider’s execution policy and available order types for your account.
Provider informationVivid MoneyCheck the provider’s execution policy and available order types for your account.
Provider informationProduct range
PeaksETFsETF-Portfolios
Vivid MoneyStocksETFsCrypto
Categories come from broker profiles. Check specific markets and permissions before deciding.
Trading platforms
PeaksPeaks App
Peaks exclusively offers the Peaks App. The app enables automatic investing through rounding up card payments, one-time contributions, and recurring deposits. The interface shows portfolio performance, transaction history, and rounding-up overview. There is no web platform.
Explore platformVivid MoneyVivid App
Vivid Money exclusively offers the Vivid App as its platform. The app combines banking (checking account, debit card, transfers) and trading (stocks, ETFs, crypto) in one interface. Features include real-time quotes, simple order placement, cashback tracking, and automatic savings. There is no desktop platform.
Explore platformRegulation does not prevent market losses. The relevant authority depends on the contracting entity.
Your investor profile
Who might it suit?
PeaksMicro-investing app with automated savings and ETF portfolios
- Automatic investing through rounding up card payments
- AFM-regulated in the Netherlands
- Ideal for beginners and micro-investing
- Flat monthly fee disadvantageous for small amounts
- No individual stock selection possible
Vivid MoneyBerlin-based neobank with integrated stock, ETF and crypto trading
- Banking and trading combined in one app
- Commission-free stock and ETF trading
- Over 50 cryptocurrencies available
- Crypto spreads relatively high (from 1%)
- Limited stock selection compared to specialized brokers
Find the broker that fits
Peaks oder Vivid Money?
Side by side. Decided with knowledge.
See the differences that matter, and the Academy lessons that explain them.
VS
- Fees
- Platform
- Regulation
- Matching lessons
Two brokers. Many options. Your call.
Your questions
Frequently asked questions
How do fees differ between Peaks and Vivid Money?
Peaks: €1 or €2 per month + 0.5% p.a. fund costs. Vivid Money: €0 order fee (stocks/ETFs), crypto spread from 1%. Compare total costs for the specific market, product, currency and order size in the current fee schedule.
Which broker offers more products: Peaks or Vivid Money?
Peaks offers ETFs, ETF-Portfolios. Vivid Money offers Stocks, ETFs, Crypto.
How are Peaks and Vivid Money regulated?
The broker profiles list AFM for Peaks and BaFin for Vivid Money. Your account's contracting entity determines the applicable oversight and protection rules; check its current disclosures.
Is Peaks or Vivid Money better for beginners?
Peaks lists a 1 € minimum deposit and offers Peaks App. Vivid Money lists 0,01 € and offers Vivid App. Compare usability, available products and costs for your intended use.
Peaks vs Vivid Money: Which broker is better overall?
The choice between Peaks (3.8/5, 620 reviews) and Vivid Money (3.7/5, 1100 reviews) depends on your needs. Peaks: Micro-investing app with automated savings and ETF portfolios. Vivid Money: Berlin-based neobank with integrated stock, ETF and crypto trading.
Your next step
Your next step
PeaksMicro-investing app with automated savings and ETF portfolios
Open accountRead reviewVivid MoneyBerlin-based neobank with integrated stock, ETF and crypto trading
Open accountRead reviewKeep learning
Before you pick a broker
The guides worth reading before your first trade, whichever of the two you choose.